IMG Global Prima Medical Insurance offers comprehensive coverage for expats and families, with five plan levels, varied coverage, telemedicine support, and optional pregnancy and dental benefits to tailor protection abroad.
Worldwide Medical Insurance for Individuals and Families
Global Prima Medical Insurance from International Medical Group (IMG) is a comprehensive medical plan designed for expats and their families. The Global Prima product has five plan options for applicants to choose from: Bronze, Bronze Plus, Silver, Gold, and Platinum. Each plan level covers medical care, physical health, mental wellness, and crisis support.
Global Prima members can be of any nationality and choose from three coverage areas: Europe, Worldwide (excluding the U.S. and its territories), or Worldwide. IMG’s global network of doctors and healthcare professionals is available in each coverage area.
IMG Global Prima offers two optional benefits for members to include in their plan: Routine Pregnancy and Dental, at an additional premium. Please note that waiting periods do apply to these benefits.
Continue reading to learn more about IMG’s Global Prima Medical Insurance Plan.
Global Prima Medical Insurance offers five plan levels to fit policyholders’ needs and budgets. Clients can also choose their coverage area option: 1. Europe only, 2. Worldwide, excluding the U.S., or 3. Worldwide. The larger coverage area typically comes with the highest premium.
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Telemedicine Services
Telemedicine services are available to policyholders with a Bronze Plus, Silver, Gold, or Platinum plan. Members will have 24/7 access to a network of medical professionals through phone and online.
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Mental Wellness Support
IMG provides access to mental health services, including virtual counseling, to help individuals transition and adjust to a new culture and job.
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Travel Intelligence and Crisis Support
Multilingual nurses, doctors, and case managers are on staff to provide 24/7 emergency assistance. IMG also offers a travel intelligence app to warn policyholders of imminent dangers and security threats in their country of residence.
IMG Global Prima Medical Insurance Benefits
Please review the overall policy limits and the schedule of benefits of the Gold and Platinum Global Prima plans in the table below.
The schedule of benefits for IMG Global Prima’s optional benefits, Routine Pregnancy and Dental Treatment, is also included in the table. Applicants can include the optional supplemental benefits in their plan for an additional premium. A waiting period applies to both of the optional benefits. There is a 10-month waiting period for the Routine Pregnancy benefit, and a 6-month waiting period for Dental Treatments.
Benefit
Gold
Platinum
Annual Overall Maximum
$4,000,000
$5,000,000
Inpatient Accomodation
Emergency Transportation
Outpatient
Psychiatric Illness
Outpatient
Limited to $5,000 each year
Limited to $10,000 each year
Oncology
$500 per lifetime wigs during active treatment
$1,000 per lifetime wigs during active treatment
Optional Benefit: Routine Pregnancy and Childbirth
10 month waiting period applies.
Optional pregnancy limits (for each pregnancy)
$5,000 / $10,000 / $20,000
Optional pregnancy limits (for each pregnancy)
$5,000 / $10,000 / $20,000
Newborn Accomodation
10 month waiting period applies.
Within the applicable pregnancy limit
Within the applicable pregnancy limit
Optional Benefit: Dental Treatment
6 month waiting period applies.
Optional dental treatment limits
$1,000 / $2,000
Optional dental treatment limits
$1,000 / $2,000
Evacuation and Repatriation
Medication
Routine Management and Palliative Treatment of Chronic Conditions
How Much Does a Global Prima Medical Insurance Plan Cost?
The premium for an IMG Global Prima Medical Insurance plan is calculated based on plan choice, coverage area, optional benefits, deductible, age, and the number of family members.
Policyholders can pay their insurance premiums monthly, quarterly, semi-annually, or annually.
Policy Excess/Deductible Options to Include on Your Policy
Including a policy excess, also known as a deductible, will reduce your total premium. The policy excess is per person, per policy, per period, and applies only to inpatient, day-patient, and outpatient treatment. Once you have paid the full policy excess amount, IMG covers 100% of the costs up to your chosen plan limit.
In the U.S., “deductible” is commonly used, whereas in the UK it’s called “policy excess.” IMG’s GPMI plan uses the term “policy excess” instead of “deductible,” even though they have the same meaning.
Please see IMG’s policy excess options and the corresponding discount percentages in the table below.
IMG Global Prima Medical Insurance is available to all nationalities, and members can choose between Europe, Worldwide excluding the U.S., or Worldwide as their coverage area. The Worldwide coverage area (Area 3) provides a maximum of 180 days of coverage in the U.S. Persons of any age may apply for coverage.
Lifetime Coverage
Policyholders enrolled in an IMG Global Prima Medical Insurance plan and maintaining continuous coverage will be offered the option to renew their plan indefinitely.
Global Prima FAQs
IMG offers access to quality healthcare through its own network of providers and facilities across the globe. Members can choose their own healthcare provider wherever they are in the world. Use this u003ca href=u0022https://ipa.imglobal.com/u0022u003elinku003c/au003e to search for a facility, physician, or dentist.rnrnFor members residing in the United States, IMG offers two PPO networks through u003ca href=u0022http://providerlocator.firsthealth.com/imgu0022 target=u0022_blanku0022 rel=u0022noreferrer noopeneru0022u003eFirst Healthu003c/au003e and u003ca href=u0022http://us1.welcometouhc.com/u0022 target=u0022_blanku0022 rel=u0022noreferrer noopeneru0022u003eUnitedHealthcareu003c/au003e. Members should refer to their I.D. cards for the appropriate PPO network. If you cannot find a provider in your city or country, please contact IMG’s support team via the contact information provided on your insurance card.
The Global Prima plan from IMG has no age limits and allows for lifetime renewal. So, as long as you maintain continuous coverage, your plan will never expire. To maintain continuous coverage, members must routinely pay their plan premium monthly, quarterly, semi-annually, or annually.rnrnIMG guarantees a continuation of cover for members leaving a Global Prima Medical Insurance group scheme. Please notify us or IMG directly if you plan to leave your group scheme and want to continue your medical coverage through IMG GPMI.
Comprehensive maternity benefits are available through the Routine Pregnancy and Childbirth optional rider. Members can opt to include Routine Pregnancy and Childbirth in their plan at an additional premium cost.rnrnThe Routine Pregnancy and Childbirth benefit includes coverage for well-baby examinations and newborn accommodation. Please note, a 10-month waiting period applies to the Routine Pregnancy and Childbirth optional benefit.
Yes, the Global Prima plan has Telemedicine services included at no additional cost. Members have phone and online access to a network of medical professionals to discuss new, non-emergency medical issues.rnrnTelemedicine services are only available to members with a Bronze Plus, Silver, Gold, or Platinum plan. There are no Telemedicine services available in the Bronze plan.
As soon as your IMG GPMI policy is active, you can u0026lt;a href=u0022https://www.alchealth.com/claims.htmu0022 target=u0022_blanku0022 rel=u0022noopeneru0022u0026gt;register for accessu0026lt;/au0026gt; to your MyALC account. In your MyALC account, you will be able to do the following,rnrnu003c!u002du002d wp:list u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003eu003c!u002du002d wp:list-item u002du002du003ern tu003cliu003ePre-authorize your treatment,u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eu003cstrongu003eEasily submit your claimsu003c/strongu003e,u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eRead secure messages from IMG’s claims team,u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eSearch for a medical provider,u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eObtain useful travel and security information,u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eStart a web chat, andu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eAccess the secure premium payment area.u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003ernrnu003c!u002du002d /wp:list u002du002du003ernrnu003cstrongu003eReal-Time Claimsu003c/strongu003ernrnWhen you have visited a medical provider for a routine health check, or eye examination, or have received routine or travel vaccinations, you can contact IMG on WhatsApp to have a real-time claim assessment. Please have the claim documents saved to your mobile device, and once you connect with a team member, they will walk you through the process of submitting a claim. Use the following WhatsApp number to contact IMG’s claims support team.rnu003culu003ern tu003cliu003eu003cstrongu003eWhatsApp:u003c/strongu003e +44 29 2046 8500u003c/liu003ernu003c/ulu003ernu003cstrongu003eOutpatient and Dental Treatment Claimsu003c/strongu003ernrnWhen you have received an outpatient or dental treatment, you will need to pay your own treatment costs upfront and submit a claim to IMG. Outpatient and dental treatments do not need to be pre-authorized. For reimbursement, please follow these steps to submit your claim online:rnrnu003c!u002du002d wp:list u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003eu003c!u002du002d wp:list-item u002du002du003ern tu003cliu003eLog into your MyALC accountu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eClick ‘Make a Claim’u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eComplete the online claim form and upload your claim documents, including invoices and receipts for treatment, medical information, and referral lettersu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eSubmit your claim and one of IMG’s claims team members will contact you within five business daysu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003ernrnu003c!u002du002d /wp:list u002du002du003ernrnu003cstrongu003ePlanned In-Patient u0026amp; Day-Patient Treatment Pre-Authorizationu003c/strongu003ernrnAll in-patient and day-patient treatments must be pre-authorized. If your treatment is not pre-authorized, IMG reserves the right to decline your claim. Please ensure that you apply for pre-authorization of a planned treatment no later than five business days prior to your appointment. To request pre-authorization of treatment, please follow these steps:rnrnu003c!u002du002d wp:list u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003eu003c!u002du002d wp:list-item u002du002du003ern tu003cliu003eLog into your MyALC accountu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eClick ‘Make a Pre-authorization Request’u003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eComplete the online pre-authorization form and upload your medical information, referral letters and any cost estimates you haveu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eSubmit your request, and IMG will aim to contact you within two business daysu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003ernu003c!u002du002d /wp:list-item u002du002du003e u003c!u002du002d wp:list-item u002du002du003ernu003cul class=u0022wp-block-listu0022u003ern tu003cli style=u0022list-style-type: none;u0022u003ernu003cul class=u0022wp-block-listu0022u003ern tu003cliu003eOnce IMG has all the information they need, they will aim to issue the Guarantee of Payment and arrange for the providers to invoice them directlyu003c/liu003ernu003c/ulu003ernu003c/liu003ernu003c/ulu003e
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